As a provider in health care, I also feel that frustration, just on the other end. Can’t tell you how many times a doctor has referred a patient to me (a physical therapist) simply because their insurance requires they do PT before approving a surgery or MRI. Never mind they can’t move or tolerate any activity for shit, and haven’t for the past four months. But gotta chase the carrot to get the patient what they need. Nothing more frustrating and burnout-laden for me than to just go through the motions without making a damn bit of difference, just to be a stepping stone. Sure, it’s generally more cost effective to go through PT first, but certain cases are so obvious that they need more than what I can provide. But gotta play the game, no exceptions. It’s hard to function healthily in a system that doesn’t have the patient’s best interests in mind, only the money.
Ideally, the patients, providers, and payors would all be able to work together for everybody. But because insurances have the money, they call all the shots. Sometimes they come through. Others, they don’t, and we’re left telling the patient they can’t get what they need because their insurance denied it. It’s definitely a racket, and one I’m not sure I can tolerate another 20+ years of if things keep going this way.